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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $568,885 | $166,131+242.4% | $164,975+244.8% | $145,877+290.0% |
| Participation rate | 88.9% | 82.0%+6.9pp | 78.6%+10.3pp | 80.3%+8.6pp |
| Annual return | 56.72% | 100.37%-43.6pp | 70.12%-13.4pp | 551.28%-494.6pp |
| Employer contribution / active EE | $8,878 | $5,276+68.3% | $4,343+104.4% | $4,663+90.4% |
| Participant deferral / active EE | $6,461 | $6,962-7.2% | $6,033+7.1% | $6,691-3.4% |
| Admin fee / account holder | $14,738 | $16,648-11.5% | $12,688+16.2% | $13,402+10.0% |